My first complaint about my bank

Normally I am 100% in love with Bank of America. Well...at least as much as one can be in love with their bank anyways. With that said they have finally done something I find to be rather dumb.

I never had a credit card until last year. I always avoided them. I knew a great many people who racked up tons of credit card debt, and created large size holes they had to climb out of. In the interest of not being down said hole I never got one.

Well a bit over a year ago I decided to cave in and finally get one for emergency and what not. I decided to go with Bank of America because they already had my savings and checking accounts. Also I love their online banking. Well since I had never established decent credit they forced me to get a secure card. Fine no worries, I can accept that. So I spent a year on a secure card doing whatever I wanted with it and pay it off every month.

The year is up and I am informed that I am no longer required to have a secured card, and that I will be getting my money back. Sweet action is my thought. So I check my checking account balance to see if the money is there (it's not). I then glance at my credit card balance to see if they have applied it there (they have not). I decided that maybe it's just going to take a few days. Well two weeks have now gone by. I ponder if a banking error has occurred.

I decided to call up the ole Bank of America and find out what's going on. What happens next was a bit amazing. It seems that Bank of America mailed me a check, and that's why it was taking so long. Here's my question, if I am already a checking account holder (and savings account holder) with you, why in the hell would you mail me a check? They have the technology to just move money in b/w accounts. I know this b/c I use it. The kind person on the phone tells me that if I had called them up and said I would have prefered a direct transfer, they could have just done that. However, since I didn't call they didn't know. To which I said, why would I ever assume you wouldn't just do that? To which he responded, "That's a good question and I don't know."

Bank of America, you are normally for the win. This time though, you are for the fail.